No annual fee
Free for life, as published. 58 cards.
| Card | Tier | Annual fee | What the issuer publishes | Verified |
|---|---|---|---|---|
LuLu 247 Titanium
Emirates NBD
|
Titanium · Mastercard | Free for life |
Free for life card (no annual fee) —
Yearly
Welcome offer: 0% balance transfer with no processing fee —
Per event
|
Verified 25 Aug 2026 |
Cashback
Mashreq Bank
|
Platinum · Visa | Free for life |
No Annual Fee —
Yearly
|
Verified 25 Aug 2026 |
Premier Credit Card
HSBC UAE
|
World Elite · Mastercard | Free for life |
No annual fee —
Yearly
Supplementary credit cards —
Always on
|
Verified 18 Aug 2026 |
Visa Infinite
National Bank of Fujairah
|
Infinite · Visa | Free for life |
Lifetime Free Annual Fee —
Yearly
|
Verified 24 Aug 2026 |
| Platinum · Mastercard | Free for life |
No Joining Fee and Free-for-Life Annual Fee —
Yearly
|
Verified 10 Sep 2026 | |
Share Visa Signature Credit Card
Emirates NBD
|
Signature · Visa | Free for life |
Free for Life Annual Fee —
Yearly
|
Verified 25 Aug 2026 |
Share Visa Platinum Credit Card
Emirates NBD
|
Platinum · Visa | Free for life |
Free for Life Credit Card —
Yearly
|
Verified 25 Aug 2026 |
noon One Visa Credit Card
Emirates NBD
|
Standard · Visa | Free for life |
Free noon One membership for 1 year —
Yearly
|
Verified 25 Aug 2026 |
Mastercard Platinum Credit Card
Emirates NBD
|
Platinum · Mastercard | Free for life |
No Annual Fee —
Yearly
|
Verified 25 Aug 2026 |
Mastercard Titanium Credit Card
Emirates NBD
|
Titanium · Mastercard | Free for life |
No Annual Fees —
Yearly
No Joining Fee —
Per event
|
Verified 25 Aug 2026 |
Visa Platinum Credit Card
Emirates NBD
|
Platinum · Visa | Free for life |
Interest-Free Period —
Per event
No Annual Fee —
Yearly
|
Verified 25 Aug 2026 |
U By Emaar Visa Family Credit Card
Emirates NBD
|
Other · Visa | Free for life |
Free Card for Life —
Yearly
|
Verified 25 Aug 2026 |
Manchester United Credit Card
Emirates NBD
|
Other · Mastercard | Free for life |
No Annual Fee (Current Offer) —
Yearly
|
Verified 25 Aug 2026 |
Voyager World Credit Card
Emirates NBD
|
World · Mastercard | Free for life |
Complimentary Visa Appointment and Processing —
Yearly
Lifetime Free Annual Credit Card Fee —
Yearly
Lifetime Free Credit Card —
Yearly
|
Verified 25 Aug 2026 |
Marriott Bonvoy World Mastercard Credit Card
Emirates NBD
|
World · Mastercard | Free for life |
Annual Fee Waiver —
Yearly
|
Verified 25 Aug 2026 |
FAB Z Card
First Abu Dhabi Bank
|
Standard · Mastercard | Free for life |
No Annual Fee for First Year —
Yearly
|
Verified 24 Aug 2026 |
du Credit Card
First Abu Dhabi Bank
|
Titanium · Mastercard | Free for life |
No Annual Fee —
Yearly
|
Verified 24 Aug 2026 |
Blue FAB Platinum Credit Card by Al-Futtaim
First Abu Dhabi Bank
|
Platinum · Mastercard | Free for life |
No Annual Fees —
Yearly
|
Verified 24 Aug 2026 |
Blue FAB Signature Credit Card by Al-Futtaim
First Abu Dhabi Bank
|
Signature · Mastercard | Free for life |
Free Supplementary Cards —
4 uses per event
|
Verified 24 Aug 2026 |
Blue FAB Infinite Credit Card by Al-Futtaim
First Abu Dhabi Bank
|
Infinite · Mastercard | Free for life |
No Annual Fees —
Yearly
|
Verified 24 Aug 2026 |
Talabat ADCB Credit Card
Abu Dhabi Commercial Bank
|
Platinum · Mastercard | Free for life |
Free for Life - No Annual Fee —
Yearly
|
Verified 25 Aug 2026 |
Lulu Platinum Credit Card
Abu Dhabi Commercial Bank
|
Platinum · Mastercard | Free for life |
No Annual Fee —
Yearly
|
Verified 25 Aug 2026 |
Lulu Titanium Credit Card
Abu Dhabi Commercial Bank
|
Titanium · Mastercard | Free for life |
Zero Annual Fee —
Yearly
|
Verified 25 Aug 2026 |
TouchPoints Titanium/Gold Credit Card
Abu Dhabi Commercial Bank
|
Titanium · Visa | Free for life |
No Annual Fee —
Yearly
|
Verified 25 Aug 2026 |
Talabat ADCB Islamic Card
Abu Dhabi Commercial Bank
|
Platinum · Mastercard | Free for life |
Free Card for Life —
Yearly
|
Verified 25 Aug 2026 |
TouchPoints Platinum Card (Islamic)
Abu Dhabi Commercial Bank
|
Platinum · Visa | Free for life |
No Annual Fee First Year —
Yearly
|
Verified 25 Aug 2026 |
TouchPoints Gold Card (Islamic)
Abu Dhabi Commercial Bank
|
Gold · Visa | Free for life |
No Annual Card Fee —
Yearly
|
Verified 25 Aug 2026 |
noon Credit Card
Mashreq Bank
|
Standard · Visa | Free for life |
No Annual Fee —
Yearly
|
Verified 25 Aug 2026 |
Al Islami Cashback
Mashreq Bank
|
Standard · Visa | Free for life |
No Annual Fees —
Yearly
|
Verified 25 Aug 2026 |
Advance Credit Card
HSBC UAE
|
Standard · Mastercard | Free for life |
Interest Free Days on Purchases —
Always on
No Annual Fee —
Yearly
|
Verified 21 Aug 2026 |
Private Bank Credit Card
HSBC UAE
|
World Elite · Mastercard | Free for life |
Interest-Free Purchase Period —
Always on
No Annual Card Fee —
Yearly
|
Verified 25 Aug 2026 |
Simplicity Credit Card
Citibank UAE
|
Platinum · Mastercard | Free for life |
No Annual Fee —
Yearly
|
Verified 24 Aug 2026 |
RED Credit Card
RAKBANK
|
Standard · Mastercard | Free for life |
Free Annual Fee —
Yearly
Free For Life - No Annual Fee —
Yearly
|
Verified 12 Oct 2026 |
RAKislamic Platinum Credit Card
RAKBANK
|
Platinum · Mastercard | Free for life |
No Annual Fee —
Yearly
|
Verified 24 Aug 2026 |
Watani Credit Card
RAKBANK
|
Other · Mastercard | Free for life |
Zero Annual Fee for Lifetime —
Yearly
|
Verified 12 Sep 2026 |
Prime Gold Card
Dubai Islamic Bank
|
Gold · Visa | Free for life |
No Annual Fee —
Yearly
|
Verified 25 Aug 2026 |
Prime Classic Card
Dubai Islamic Bank
|
Standard · Visa | Free for life |
No Annual Fee —
Yearly
|
Verified 25 Aug 2026 |
Smiles Classic Card
Abu Dhabi Islamic Bank
|
Standard · Visa | Free for life |
Free Annual Card Fee —
Yearly
|
Verified 24 Aug 2026 |
Barça Cashback Card
Emirates Islamic
|
Other · Visa | Free for life |
No Annual Fee —
Yearly
|
Verified 7 Sep 2026 |
RTA Covered Card
Emirates Islamic
|
Other · Visa | Free for life |
Emergency Cash Advance —
Per event
|
Verified 7 Sep 2026 |
Emarati Card
Emirates Islamic
|
Signature · Visa | Free for life |
No Annual Membership Fee —
Yearly
|
Verified 24 Aug 2026 |
Amazon World Covered Card
Emirates Islamic
|
World · Mastercard | Free for life |
No Annual Membership Fee —
Yearly
|
Verified 7 Sep 2026 |
Amazon Platinum Covered Card
Emirates Islamic
|
Platinum · Mastercard | Free for life |
No Annual Membership Fee —
Yearly
|
Verified 7 Sep 2026 |
Visa Infinite
Commercial Bank of Dubai
|
Infinite · Visa | Free for life |
Annual Fee Waiver —
Yearly
|
Verified 25 Aug 2026 |
CBD One Credit Card
Commercial Bank of Dubai
|
Signature · Visa | Free for life |
No Annual Fee for Life —
Yearly
|
Verified 25 Aug 2026 |
Platinum Exclusive Credit Card
National Bank of Fujairah
|
Platinum · Visa | Free for life |
Free Supplementary Cards —
2 uses per event
|
Verified 11 Oct 2026 |
Islamic Infinite Credit Card
National Bank of Fujairah
|
Infinite · Visa | Free for life |
Lifetime Annual Fee Waiver —
Yearly
|
Verified 11 Oct 2026 |
LIFE Platinum Cashback Credit Card
Ajman Bank
|
Platinum · Mastercard | Free for life |
Free Supplementary Cards —
Always on
No Annual Membership Fee - LIFE Platinum —
Yearly
|
Verified 25 Aug 2026 |
BRight Titanium
Ajman Bank
|
Titanium · Mastercard | Free for life |
Free Supplementary Cards —
Yearly
Free for Life – No Annual Fee —
Yearly
|
Verified 25 Aug 2026 |
Islamic Titanium Card
United Arab Bank
|
Titanium · Mastercard | Free for life |
No Annual Fee - Free for Life —
Always on
|
Verified 14 Sep 2026 |
Titanium Credit Card
Commercial Bank International
|
Titanium · Mastercard | Free for life |
No Annual Fee —
Yearly
|
Verified 24 Aug 2026 |
Gold Credit Card
National Bank of Umm Al Qaiwain
|
Gold · Visa | Free for life |
Free Credit Card with No Annual Fees —
Yearly
One Free Supplementary Card —
Per event
|
Verified 12 Oct 2026 |
Visa Classic Credit Card
Arab Bank UAE
|
Standard · Visa | Free for life |
Free Supplementary Credit Cards —
Per event
|
Verified 24 Aug 2026 |
CartNet Card
Finance House
|
Titanium · Mastercard | Free for life |
Free Principal Card Annual Fee —
Yearly
Free Supplementary Cards —
3 uses a year
|
Verified 8 Oct 2026 |
Platinum Credit Card
Finance House
|
Platinum · Mastercard | Free for life |
Free Principal Card Annual Fee —
Yearly
Free Supplementary Card Annual Fee —
Yearly
|
Verified 8 Oct 2026 |
investnation Credit Card
Finance House
|
Other · Mastercard | Free for life |
No Annual Fees —
Yearly
|
Verified 8 Oct 2026 |
Sanad Card
Finance House
|
Platinum · Other network | Free for life |
Free for Life Credit Card —
Yearly
|
Verified 8 Oct 2026 |
Blue Credit Card
Finance House
|
Other · Mastercard | Free for life |
Free for life credit card (no annual or registration fee) —
Yearly
No extra charge for card bill payments at exchange houses —
Per event
Up to 4 free supplementary credit cards —
4 uses a year
|
Verified 8 Oct 2026 |
Under AED 500
Entry-tier annual fees. 24 cards.
| Card | Tier | Annual fee | What the issuer publishes | Verified |
|---|---|---|---|---|
Duo
Emirates NBD
|
Platinum · Other network | AED 420 a year |
No annual fees (current exclusive offer) —
Yearly
|
Verified 25 Aug 2026 |
365 Cashback
Abu Dhabi Commercial Bank
|
Platinum · Mastercard | AED 383.25 a year |
No annual fee for the first year —
Yearly
|
Verified 24 Aug 2026 |
Live+
HSBC UAE
|
World · Mastercard | AED 313.95 a year |
Annual Fee Waiver First Year —
Yearly
Annual fee waiver —
Yearly
Free Visa Signature card replacement or additional card —
Per event
|
Verified 25 Aug 2026 |
Cashback Plus
Emirates Islamic
|
Platinum · Mastercard | AED 313.95 a year |
Annual membership fee waiver (AED 299) —
Yearly
|
Verified 7 Sep 2026 |
Super Saver
Commercial Bank of Dubai
|
Signature · Visa | AED 420 a year |
Annual Fee Waiver —
Yearly
Free for first year —
Yearly
|
Verified 25 Aug 2026 |
Darna Visa Signature Credit Card
Emirates NBD
|
Signature · Visa | AED 315 a year |
Annual Fee Waiver —
Yearly
|
Verified 25 Aug 2026 |
FAB Rewards Active Credit Card
First Abu Dhabi Bank
|
Platinum · Mastercard | AED 315 a year |
First Year Annual Fee Waiver —
Yearly
|
Verified 24 Aug 2026 |
FAB GEMS World Credit Card
First Abu Dhabi Bank
|
World · Mastercard | AED 418.95 a year |
Annual fee waiver with AED 24,000 non-educational spend —
Yearly
|
Verified 24 Aug 2026 |
Blue FAB Islamic Credit Card
First Abu Dhabi Bank
|
Other · Mastercard | AED 315 a year |
Annual Fee Waiver —
Yearly
|
Verified 24 Aug 2026 |
Shukran ADCB Credit Card
Abu Dhabi Commercial Bank
|
Platinum · Visa | AED 250 a year |
No Annual Fee for UAE Nationals —
Yearly
|
Verified 25 Aug 2026 |
Shukran ADCB Islamic Card
Abu Dhabi Commercial Bank
|
Platinum · Visa | AED 250 a year |
No Annual Fee First Year —
Yearly
|
Verified 25 Aug 2026 |
Islamic 365 Cashback Card
Abu Dhabi Commercial Bank
|
Standard · Mastercard | AED 383.25 a year |
No Annual Fee First Year —
Yearly
|
Verified 25 Aug 2026 |
Rewards Credit Card
Citibank UAE
|
World · Mastercard | AED 300 a year |
Annual Fee Waiver (Year 1 and Conditional Year 2+) —
Yearly
|
Verified 24 Aug 2026 |
RAKislamic World Credit Card
RAKBANK
|
World · Mastercard | AED 200 a year |
Free supplementary card —
Yearly
|
Verified 24 Aug 2026 |
DIB SHAMS Platinum Covered Card
Dubai Islamic Bank
|
Platinum · Visa | AED 208.95 a year |
Free for life annual membership fee waiver —
Yearly
Up to 5 free supplementary cards —
5 uses a year
|
Verified 25 Aug 2026 |
Switch Cashback Card
Emirates Islamic
|
Signature · Visa | AED 313.95 a year |
Annual Fee Waiver —
Yearly
|
Verified 7 Sep 2026 |
Al Islami Super Saver
Commercial Bank of Dubai
|
Signature · Visa | AED 420 a year |
First Year Annual Fee Waiver —
Yearly
|
Verified 25 Aug 2026 |
Cashback Card
Sharjah Islamic Bank
|
Standard · Mastercard | AED 208.95 a year |
Annual Fee Waiver for Second Year Onwards —
Yearly
|
Verified 24 Aug 2026 |
Titanium Card
United Arab Bank
|
Titanium · Mastercard | AED 315 a year |
Annual Fee Waiver (First Year) —
Yearly
|
Verified 14 Sep 2026 |
Gold Credit Card (1% Money Back)
American Express
|
Gold · American Express | AED 309.75 a year |
Complimentary Supplementary Cards —
Yearly
|
Verified 24 Aug 2026 |
Blue from American Express
American Express
|
Standard · American Express | AED 262.50 a year |
Complimentary Supplementary Cards —
Yearly
|
Verified 24 Aug 2026 |
Deem Platinum Credit Card
Deem Finance
|
Platinum · Mastercard | AED 315 a year |
Free First Year Annual Fee —
Yearly
|
Verified 24 Aug 2026 |
Deem Titanium Credit Card
Deem Finance
|
Titanium · Mastercard | AED 210 a year |
First Year Annual Fee Waiver —
Yearly
|
Verified 24 Aug 2026 |
Platinum Mastercard®
Arab Bank UAE
|
Platinum · Mastercard | AED 315 a year |
Free SMS alert service on card transactions —
Always on
Free account management via Internet, Phone Banking and Arabi Mobile —
Always on
|
Verified 24 Aug 2026 |
AED 500 – 999
Mid-tier annual fees. 16 cards.
| Card | Tier | Annual fee | What the issuer publishes | Verified |
|---|---|---|---|---|
Go4it Gold Credit Card
Emirates NBD
|
Gold · Visa | AED 787.50 a year |
No Annual Fee (Current Promotional Offer) —
Yearly
|
Verified 25 Aug 2026 |
ADCB Emirati Islamic Card
Abu Dhabi Commercial Bank
|
Other · Mastercard | AED 945 a year |
First Year Annual Fee Waiver —
Yearly
|
Verified 25 Aug 2026 |
DIB SHAMS Infinite Covered Card
Dubai Islamic Bank
|
Infinite · Visa | AED 733.95 a year |
Free for life annual membership fee waiver —
Yearly
Up to 5 complimentary supplementary cards —
5 uses a year
|
Verified 25 Aug 2026 |
DIB SHAMS Signature Covered Card
Dubai Islamic Bank
|
Signature · Visa | AED 523.95 a year |
Annual Fee Waiver —
Yearly
Complimentary Supplementary Cards —
5 uses, always on
|
Verified 25 Aug 2026 |
Etihad Guest Saqer Card
Emirates Islamic
|
Signature · Visa | AED 943.95 a year |
Balance Transfer with No Profit Rate —
Per event
|
Verified 7 Sep 2026 |
Etihad Guest Ameera Card
Emirates Islamic
|
Signature · Visa | AED 699 a year |
Balance Transfer - No Profit Charge —
Always on
Balance Transfer Facility —
Always on
|
Verified 7 Sep 2026 |
Skywards Signature Card
Emirates Islamic
|
Signature · Visa | AED 700 a year |
0% Profit Rate Easy Payments for Emirates Flights —
Per event
|
Verified 7 Sep 2026 |
Smiles Visa Signature
Commercial Bank of Dubai
|
Signature · Visa | AED 525 a year |
Annual fee waiver on minimum annual retail spend —
Yearly
First year annual fee waived —
Yearly
Free for life supplementary cards —
Yearly
|
Verified 25 Aug 2026 |
LIFE World Cashback Credit Card
Ajman Bank
|
World · Mastercard | AED 630 a year |
Annual Membership Fee Waiver (LIFE World) —
Yearly
Free Supplementary Cards —
Yearly
|
Verified 25 Aug 2026 |
ULTRACASH Mastercard
Ajman Bank
|
Standard · Mastercard | AED 525 a year |
Free Supplementary Cards —
2 uses a year
|
Verified 25 Aug 2026 |
Smiles World Mastercard
Sharjah Islamic Bank
|
World · Mastercard | AED 551.25 a year |
Annual fee waiver on AED 50,000 spend —
Yearly
|
Verified 24 Aug 2026 |
Platinum Card
United Arab Bank
|
Platinum · Mastercard | AED 787.50 a year |
Annual Fee Waiver —
Yearly
|
Verified 14 Sep 2026 |
Platinum Credit Card
National Bank of Umm Al Qaiwain
|
Platinum · Visa | AED 525 a year |
Free Supplementary Card —
Yearly
|
Verified 12 Oct 2026 |
Platinum Credit Card
American Express
|
Platinum · American Express | AED 735 a year |
FeeBack Annual Membership Fee Credit —
Yearly
|
Verified 24 Aug 2026 |
Deem World Credit Card
Deem Finance
|
World · Mastercard | AED 525 a year |
Free First Year Annual Fee —
Yearly
Supplementary Credit Cards at No Cost —
Per event
|
Verified 24 Aug 2026 |
Visa Platinum Credit Card
Arab Bank UAE
|
Platinum · Visa | AED 525 a year |
Free Supplementary Credit Cards —
Always on
|
Verified 24 Aug 2026 |
AED 1,000 and above
Premium annual fees. 17 cards.
| Card | Tier | Annual fee | What the issuer publishes | Verified |
|---|---|---|---|---|
Skywards Infinite
Emirates NBD
|
Infinite · Visa | AED 1,575 a year |
Annual fee waived for Express Miles enrollees —
Yearly
|
Verified 25 Aug 2026 |
Journey
Standard Chartered UAE
|
Infinite · Visa | AED 1,575 a year |
Annual Fee Waiver —
Yearly
|
Verified 24 Aug 2026 |
Share Visa Infinite Credit Card
Emirates NBD
|
Infinite · Visa | AED 1,575 a year |
Joining Fee Reversal —
Per event
|
Verified 25 Aug 2026 |
Go4it Platinum Credit Card
Emirates NBD
|
Platinum · Visa | AED 1,050 a year |
No Annual Fee (Limited-Time Offer) —
Yearly
|
Verified 25 Aug 2026 |
Priority Banking Visa Infinite Credit Card
Emirates NBD
|
Infinite · Visa | AED 1,575 a year |
Annual Fee Waiver - First Year —
Yearly
|
Verified 25 Aug 2026 |
U By Emaar Visa Infinite Emirati Credit Card
Emirates NBD
|
Infinite · Visa | AED 1,575 a year |
First Year Annual Fee Waiver —
Yearly
|
Verified 25 Aug 2026 |
Voyager World Elite Credit Card
Emirates NBD
|
World Elite · Mastercard | AED 1,575 a year |
First Year Annual Fee Waiver —
Yearly
|
Verified 25 Aug 2026 |
Etihad Guest Visa Limitless Credit Card
Emirates NBD
|
Infinite · Visa | AED 1,575 a year |
Annual fee waiver for Express Miles program —
Yearly
|
Verified 25 Aug 2026 |
Cash+ Credit Card
HSBC UAE
|
Standard · Visa | AED 1,050 a year |
Annual Fee Waiver —
Yearly
|
Verified 21 Aug 2026 |
Emirates Skywards Visa Infinite Card
Abu Dhabi Islamic Bank
|
Infinite · Visa | AED 4,500 a year |
Easy Installment Plan with Murabaha Waiver —
Per event
|
Verified 24 Aug 2026 |
Skywards Infinite Card
Emirates Islamic
|
Infinite · Visa | AED 1,048.95 a year |
Annual Membership Fee Waiver - First Year —
Yearly
|
Verified 7 Sep 2026 |
World Card
United Arab Bank
|
World · Mastercard | AED 1,050 a year |
Annual Fee Waiver —
Yearly
|
Verified 14 Sep 2026 |
Islamic World Card
United Arab Bank
|
World · Mastercard | AED 1,050 a year |
Annual Fee Waiver —
Yearly
|
Verified 14 Sep 2026 |
Infinite Credit Card
National Bank of Umm Al Qaiwain
|
Infinite · Visa | AED 1,050 a year |
Free Supplementary Card —
Yearly
|
Verified 12 Oct 2026 |
World Elite Credit Card
Al Maryah Community Bank
|
World Elite · Mastercard | AED 1,575 a year |
Annual Fee Waiver —
Yearly
|
Verified 11 Oct 2026 |
World Elite Mastercard
Arab Bank UAE
|
World Elite · Mastercard | AED 1,995 a year |
Interest-free grace period of up to 45 days —
Always on
|
Verified 24 Aug 2026 |
SHARE Visa Private Credit Card
Emirates NBD
|
Other · Visa | AED 1,500 a year |
Joining Fee Waiver —
Per event
|
Verified 7 Sep 2026 |
Other perks worth checking
Questions
What is annual fee waiver on a UAE credit card?
A fee waiver removes the annual fee for the following year once you spend a stated amount within the card year, or meet another condition the issuer publishes.
How many UAE credit cards include annual fee waiver?
115 active UAE credit cards in the Bustan catalog carry at least one verified annual fee waiver benefit, across 24 issuers.
How current is this page?
Every benefit listed here was read from the issuer's own published terms and carries the date it was last checked. This page is verified today.
Does Bustan need my card number?
No. Bustan never asks for a card number, a bank login, or a statement. You pick the cards you hold from a list and it tracks the perks those cards publish.